Car Insurance Premium age 25

I am a male turning 25 next month and just received my new car insurance quote in the mail. I have been waiting for this milestone so that my rates would go down. I go through an independent agent and they currently have me with Hanover Insurance Group. My monthly premium has gone down from $141/month to $112/month. Is this generally about how much rates should go down?

For the record, I drive an 04 Avalanche with 132k miles, have been in one accident (not at fault), and had one speeding ticket at 16, so my record is pretty clean. Second question, am I paying too much? This is what I'm paying for:

You're getting ripped off big time. I'm with USAA and it's $144 a month for an 07 xterra and 11 malibu. 1 ticket for me and I'm younger than you. I'm with USAA and that probably has something to do with my rate.

Seems a little high for that coverage, but not outlandish (to me). I'm not sure what year/model truck you have as that can make a difference.

I pay around $140/mo/vehicle for mine. When I had my Silverado 1500 it was about $110/mo. However, I do have 100/300/100 and $500 deductibles, and one minor parking lot accident, no tickets (lose a signifiant claim free discount).

Yes. The idea behind your policy limits is to have limits that are higher than the value of your shite after bankruptcy. So when you accidentally hit a guy who racks up a half million in medical bills, his options will be to accept your insurance policy limits from your insurer, or to personally go after your assets. I do this for a living, though fortunately I've never had to go after someone's house.

A $25k limit is barely above the state minimum. So if you have stuff worth taking, I would highly recommend you increase your limits. You'd be surprised in that the premium increase won't be as much as you probably think.

Also, make sure you have the matching UM policy (which you already do) in case it is you that is hurt.

*For comparison, my wife and I just bought a house for around $210k - we have 2 vehicles and a little money in the bank - I carry $500k limits and a $1M umbrella w/ UM coverage.

I have two trucks with Travelers. 01 GMC 1500 Z71 & 06 Ford F-150 Lariat 4x4. I think I have 100/300/100 on both of them. Never been in a wreck, 25 yrs old, had two speeding tickets when I was about 20. I pay about $140/month.